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07-Feb-2018 22:47

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Sexually transmitted diseases (STDs) are passed from one person to another through intimate physical contact – such as heavy petting – and from sexual activity including vaginal, oral, and anal sex. In fact, CDC estimates 20 million new infections occur every year in the United States. If you do have sex, you can lower your risk by using condoms and being in a sexual relationship with a partner who does not have an STD.

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“Pick a calm moment to talk about this,” says Doll.

“You don’t want to bring this up after a big credit card bill has come.”RELATED: The Ridiculously Simple Way to Save Money That being said, don’t be afraid to chat about debt or a bad credit score.

The thing is, not talking openly about money can have a huge negative impact on your financial health. According to American Association of University Women, women are typically paid 80 percent of their male counterparts.“If women suffer from a gender pay gap, how do we close it without knowing that we have one, how much it is, how much we should be asking our boss for and what approaches worked for others in the past? In general, having a frank discussion about your finances can be a seriously good idea for just about, well, everyone.

“The major benefit of speaking about money is getting the subject out in the open,” says Greg Heller, founder and CEO of HCR Wealth Advisors in Los Angeles.